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Renters Insurance Made Simple at Allstate.


How to Read Your Renters Policy Declarations

The Allstate Renters Policy Declarations “declares” the choices you've made for the policy you've bought.

The first page is a summary of your coverage.

Subsequent pages provide more detail.

The Allstate Renters Policy Declarations “declares” the choices you've made for the policy you've bought.

A sample of the Renters Insurance policy.

The first page is a summary of your coverage.

A. Policy period. Renters policies typically cover a one-year period. Pay your premium by the due date, and your policy automatically continues for the time period shown.

B. Location of property. This shows the address of the insured property.

C. Total premium. This is the total premium you will pay for the policy period.

A sample of the Renters Insurance policy.

Subsequent pages provide more detail.

D. Coverages. This shows all the coverages you have as part of your renters insurance.

E. Deductibles. A deductible is the amount you pay out of pocket when you file a claim for a covered loss*. Your policy's deductibles will be shown under each coverage.

F. Personal Property. This shows whether you've chosen Actual Cash Value or the Reimbursement Provision .

G. Limits of liability. This shows the maximum limit Allstate will pay for each covered loss.*

H. Discounts. Any discounts you may have received are listed here.

* What does "covered loss" mean? It's an insurance term that means a loss that falls within the bounds of the policy. Throughout this guide, when we refer to a loss, we assume it is a covered loss

Questions? Want to make changes to your coverage? Call your local Allstate Agent or 1-800-ALLSTATE.

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